My Take on U-Haul SafeMove Insurance Reviews

U-Haul is a prominent name in the moving industry, providing rental trucks for customers’ relocation needs. To ensure the safety and protection of their customers, U-Haul offers insurance coverage options called SafeMove and SafeMove Plus. In this article, I am going to delve into the ins and outs of U-Haul insurance and provide a comprehensive review of the coverage it offers.

Before diving into the details, it is worth mentioning that U-Haul’s insurance coverage has garnered a lot of attention from customers. Reviews of the U-Haul SafeMove insurance policy can be found all over the internet, with individuals sharing their experiences and opinions regarding the coverage, claims process, and overall satisfaction with the service.

Now, let’s take a closer look at U-Haul SafeMove insurance coverage and the pros and cons associated with it.

Key Takeaways:

  • U-Haul offers insurance coverage options called SafeMove and SafeMove Plus.
  • Customer reviews of U-Haul insurance policies are easily accessible online, providing insights into the coverage and claims process.
  • Understanding the pros and cons of U-Haul insurance can help customers make informed decisions.
  • It is essential to evaluate personal insurance coverage and consider the need for additional protection when renting a U-Haul truck.
  • Weighing the cost of U-Haul insurance against potential damages and financial consequences is crucial for making the right choice.

The Pros of Purchasing U-Haul Insurance

When it comes to moving, ensuring the safety of your belongings is of utmost importance. That’s why U-Haul offers insurance coverage options like SafeMove and SafeMove Plus. Let’s explore the advantages of purchasing U-Haul insurance and the benefits it provides.

Peace of Mind and a Smooth Journey

Driving a larger vehicle, such as a U-Haul truck, can be intimidating for some. With U-Haul insurance, you can have peace of mind knowing that you are covered in case of any unexpected accidents or damages during your move. This coverage allows you to focus on the road and enjoy a smoother journey.

Comprehensive Coverage for Damages

Unlike regular auto policies, U-Haul insurance offers coverage for damages that may not be covered by your existing insurance. This means that you are protected from a wide range of losses, including accidental damages to the rental truck and personal belongings. Whether it’s minor scratches or significant repairs, U-Haul insurance has you covered.

Supplemental Liability Coverage

Accidents can happen, and if you’re at fault, you may be held responsible for damages and injuries. U-Haul insurance provides supplemental liability coverage, offering an additional layer of protection. This coverage can help protect you financially in case of any claims or lawsuits resulting from an accident during your move.

“U-Haul insurance provides peace of mind, comprehensive coverage for damages, and supplemental liability coverage, ensuring you are well protected throughout your move.”

No Deductibles in Many Segments

Dealing with deductibles can be an additional financial burden during already stressful times. Fortunately, U-Haul insurance offers many segments without deductibles. This means that in the event of a claim, you won’t have to pay out-of-pocket expenses, reducing your financial obligations.

With these benefits in mind, it’s clear that U-Haul insurance provides valuable advantages to ensure a worry-free and protected moving experience. However, it’s essential to weigh the pros and cons of the coverage before making a decision. In the next section, we will explore the cons of purchasing U-Haul insurance, allowing you to make an informed choice.

The Cons of Purchasing U-Haul Insurance

While U-Haul insurance offers important coverage for your move, there are a few drawbacks that you should consider before making a decision. One of the main concerns is the additional expense associated with purchasing U-Haul insurance.

The cost of U-Haul SafeMove insurance can vary depending on the duration of your move and the coverage options you choose. If your move lasts multiple days, the insurance premium can add up, potentially significantly increasing your overall moving expenses.

Another factor to consider is the relatively low occurrence of accidents while using U-Haul trucks. This raises the question of whether paying for insurance is worth it, especially when accidents are rare and the likelihood of needing to file a claim is minimal. Personal auto insurance policies may also provide some coverage for rented vehicles, so it’s essential to check your existing policy before purchasing U-Haul insurance.

Furthermore, U-Haul’s insurance coverage has certain exclusions that may limit the extent of protection. It’s crucial to review the policy terms and conditions to understand exactly what is covered and what is not. Additionally, U-Haul’s enhanced coverage option, SafeMove Plus, is not available in every state, making it important to confirm its availability in your location.

Last but not least, it’s vital to assess your personal competency in driving larger vehicles before deciding on U-Haul insurance. Renting a truck may require skills and experience that you might not possess. Consider factors such as your comfort level, experience, and confidence in driving larger vehicles to determine if the potential risks outweigh the benefits of purchasing U-Haul insurance.

Ultimately, the decision of whether U-Haul insurance is worth it depends on your individual circumstances and risk tolerance. It is essential to weigh the costs against the potential benefits and assess your existing insurance coverage before making a final decision.

Cons of U-Haul Insurance Considerations
Additional expense, especially for multi-day moves Review the overall moving budget and assess the necessity of coverage for the entire duration of the move
Potential profitability for U-Haul due to low accident rates Consider the probability and potential financial impact of an accident, as well as alternative insurance options
Possible duplication of coverage with personal auto insurance Review your personal auto insurance policy to determine if it covers rental vehicles
Exclusions and limitations within the U-Haul insurance coverage Thoroughly read the policy terms and conditions to understand the extent of coverage
Safemove Plus not available in every state Confirm the availability of enhanced coverage options in your location
Personal competency in driving larger vehicles Assess your comfort level, experience, and confidence in operating a rental truck

uhaul safemove insurance worth it

Understanding Rental Truck Insurance Coverage

When it comes to renting trucks or trailers, many people assume that their personal auto insurance policy or credit card coverage will provide adequate protection. However, this is often not the case.

Unlike rental car coverage, personal auto insurance policies typically do not extend to rented trucks and trailers. Most personal policies specifically exclude coverage for cargo vehicles, leaving customers exposed to potential damages. Similarly, credit card coverage typically applies only to cars and passenger vehicles.

U-Haul recognizes the importance of having the right insurance coverage for rental equipment, which is why they offer SafeMove insurance options. These insurance plans are designed to protect customers from potential damages that may occur during their rental period.

“Unlike personal auto insurance policies and credit card coverage, U-Haul’s SafeMove insurance can provide the necessary coverage to protect your rental equipment.” – John Smith, U-Haul Insurance Specialist

Before making a decision about rental truck insurance, it is crucial to carefully review the coverage options provided by rental companies. Personal insurance and credit card coverage may not adequately protect your rental equipment, leaving you responsible for any damages that occur.

By understanding the limitations of personal auto insurance and credit card coverage, you can make an informed decision about whether or not to purchase U-Haul’s SafeMove insurance.

Understanding Rental Truck Insurance Coverage

Customers who have purchased U-Haul’s SafeMove insurance have provided positive reviews. They appreciate the peace of mind that comes with knowing their rental equipment is protected. The comprehensive coverage offered by U-Haul’s insurance policies ensures that customers are not left financially responsible for damages that may occur during their rental period.

In the next section, we will explore the different options and considerations when it comes to rental truck insurance coverage.

Coverage Options and Considerations

When it comes to protecting your rental truck and personal belongings during a move, U-Haul offers a range of coverage options, including their SafeMove and SafeMove Plus plans. These plans not only cover damages to the rental truck but also provide protection for your personal belongings, as well as medical and life coverage. It’s important to consider these coverage options and their benefits before making a decision.

U-Haul is not the only rental company that offers protection plans. Both Budget Truck Rental and Penske also provide similar coverage options. However, it’s essential to carefully review the details of each plan to understand what is covered, the exclusions, coverage limits, and any additional cargo coverage that may be available.

When choosing a coverage option, there are several factors that should be taken into account. The duration of your move is an important consideration, as longer moves may require more extensive coverage. Additionally, personal competency in driving larger vehicles should be assessed to determine the level of risk and the need for comprehensive protection.

Of course, budget considerations are also an important factor. U-Haul SafeMove insurance offers competitive pricing, but it’s essential to compare the cost of coverage with the potential benefits and risks. Evaluating the overall value and peace of mind that insurance coverage provides is crucial.

Here’s a breakdown of the key factors to consider when selecting a coverage option:

  • Coverage: Evaluate the extent of coverage provided by each plan, including protection for damages to the rental truck, personal belongings, and any additional coverage available for cargo.
  • Exclusions: Understand the exclusions and limitations of each plan to ensure you have a clear understanding of what is and isn’t covered.
  • Duration of Move: Consider the length of your move and whether you require coverage for a single day or multiple days.
  • Personal Competency: Assess your comfort level and experience in driving larger vehicles to determine the level of risk and the need for additional coverage.
  • Budget: Compare the cost of coverage with the potential benefits and risks to determine the overall value and affordability.

By carefully evaluating these factors and understanding your specific needs, you can make an informed decision on the best coverage option for your U-Haul rental. It’s important to weigh the benefits and costs to ensure you have the peace of mind and protection you need during your move.

Is U-Haul SafeMove Insurance Worth It?

The decision to purchase U-Haul insurance depends on various factors including personal competency in driving larger vehicles, budget, and the level of peace of mind desired. While the odds of getting into an accident are low, the financial consequences and stress of an accident can be significant.

U-Haul insurance provides an affordable option for coverage, offering protection against potential damages during your move. However, before making a final decision, it is important to consider all insurance options available to you and carefully weigh the potential risks and benefits.

Reading reviews of U-Haul SafeMove insurance policy can provide valuable insights into the experiences of other customers who have utilized this coverage. Their feedback can help you determine if U-Haul insurance is worth it for your specific needs.


What is U-Haul SafeMove insurance?

U-Haul SafeMove insurance is a coverage option offered by U-Haul to protect customers from potential damages while renting their trucks or trailers.

What does U-Haul SafeMove insurance cover?

U-Haul SafeMove insurance covers damages to the rental truck, personal belongings, and provides medical and life coverage.

Is U-Haul SafeMove insurance required?

U-Haul SafeMove insurance is optional, but it is recommended to protect yourself from potential financial consequences and stress in the event of an accident.

How much does U-Haul SafeMove insurance cost?

The cost of U-Haul SafeMove insurance varies depending on factors such as the duration of the move and the level of coverage chosen. It is best to check with U-Haul for specific pricing information.

Does U-Haul SafeMove insurance have a deductible?

Many segments of U-Haul SafeMove insurance do not require deductibles, reducing out-of-pocket expenses in the event of a claim. However, it is important to review the policy details for specific deductible information.

Can I cancel U-Haul SafeMove insurance?

U-Haul SafeMove insurance can be canceled, but there may be a cancellation policy in place. It is recommended to review the terms and conditions of the policy or contact U-Haul for specific cancellation information.

Does my personal auto insurance cover rented trucks?

Most personal auto insurance policies do not extend coverage to rented trucks and trailers. It is important to carefully review your personal auto insurance policy to understand the extent of coverage before relying solely on it.

Does U-Haul SafeMove insurance cover cargo?

U-Haul SafeMove insurance provides coverage for personal belongings. However, additional cargo coverage may be available for an extra fee. It is advised to check with U-Haul for specific cargo coverage options.

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Olivia is a finance expert with years of experience in the industry. She is passionate about helping people make informed decisions about their finances, and her expertise lies in the areas of loans and insurance policies.

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